• The reference index refers to the Citi Grandmaster RC 5 Index. For more information, please visit: https://investmentstrategies.citi.com/indice/CIMAGD5U/34/2

• The Citi Grandmaster RC 5 Index provides exposure to developed markets, including the United States, Europe and Japan, to enhance diversification and increase opportunities to generate investment returns. The Index allocates investments across equities, government bonds, corporate debt instruments and commodities, and dynamically adjusts asset allocation according to global market conditions in order to increase returns and reduce risk or volatility.

• As the Citi Grandmaster RC 5 Index is denominated in U.S. Dollars, the Company will convert the Index performance into Thai Baht based on the foreign exchange rate between the Initial Valuation Date and the Final Valuation Date. The exchange rate is referenced from the Bank of Thailand website: https://www.bot.or.th/th/statistics/exchange-rate.html

For the Initial Valuation Date, the USD Selling Rate will be applied.

• The Company will invest in the reference index within 45 days from the life insurance policy issuance date and will determine the Final Index Value within 45 days prior to the policy maturity date.

• If the Final Valuation Date falls on a non-business day as announced by the index provider, the Final Valuation Date will be postponed to the next business day or another date in accordance with the terms and conditions of the underlying investment instrument.

Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world.

Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. Global Saving Plus 15/8 with returns based on reference index (Index-Linked) (the “Financial Product”) is not sponsored, endorsed, sold or promoted by Citigroup, and Citigroup makes no representation regarding the advisability of investing in such Financial Product. Citigroup gives no express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use. In no event shall Citigroup be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup data and information.

None of Citigroup Global Markets Limited or its affiliates (“Citigroup”) acting in the capacity of index administrator (the “Index Administrator”) and/or index calculation agent (the “Index Calculation Agent”) in relation to Citi Grandmaster RC 5 (the “Index”) and any of their respective directors, officers, employees, representatives, delegates or agents (each, a “Relevant Person”) makes any express or implied representation or warranty as to (1) the advisability of purchasing Global Saving Plus 15/8 with returns based on reference index (Index-Linked) (the “Financial Product”); (2) the level(s) of the Index at any particular time on any particular date; (3) the results to be obtained by any investor in the Financial Product or any other person or entity, from the use of the Index or any data included therein for any purpose; (4) the merchantability or fitness for a particular purpose of the Index; or (5) any other matter.

The Financial Product is not sponsored, endorsed, sold or promoted by Citigroup. Each Relevant Person hereby expressly disclaims, to the fullest extent permitted by applicable law, all warranties of accuracy, completeness, merchantability or fitness for a particular purpose with respect to the Index. No Relevant Person shall have any liability (direct or indirect, special, punitive, consequential or otherwise) to any person even if notified of the possibility of damages.

Neither the Index Administrator nor the Index Calculation Agent is under any obligation to continue the calculation, publication and dissemination of the Index nor shall they have any liability for any errors, omissions, interruptions or delays relating to the Index. The Index Administrator and the Index Calculation Agent shall each act as principal and not as agent or fiduciary of any other person.

During the normal course of its business, any Relevant Person may enter into or promote, offer or sell transactions or investments (structured or otherwise) linked to any Index and/or any of its constituents. In addition, any Relevant Person may have, or may have had, long or short principal positions and/or actively trade, by making markets to its clients, positions in or relating to any Index or any of its constituents, or may invest or engage in transactions with other persons, or on behalf of such persons relating to any of these items.

Relevant Persons may also undertake hedging transactions related to the initiation or termination of financial products or transactions, which may adversely affect the market price, rate or other market factor(s) underlying any constituent or any Index. Relevant Persons may have an investment banking or other commercial relationship with and access to information from the issuer(s) of constituents. Such activity may or may not have an impact on the level of any Index, but potential investors and counterparties should be aware that a conflict of interest could arise where anyone is acting in more than one capacity, and such conflict may have an impact (either positive or negative) on the level of any Index.

The Index is described in full in the Index Conditions which are available upon request. The Index is proprietary and confidential to the Index Administrator. No person may use the Index in any way or reproduce or disseminate information relating to the Index without the prior written consent of the Index Administrator. The Index is not in any way sponsored, endorsed or promoted by the issuer or sponsor, as applicable, of any of its constituents.

Global Saving Plus 15/8 with returns based on reference index (Index-Linked) provides protection of the principal or premiums paid by the policyholder. If the policyholder remains insured until the end of the policy term, the Company guarantees total benefits throughout the policy term of 815% of the sum assured, consisting of annual cash benefits and the maturity benefit. This guaranteed amount exceeds the total premiums paid by the policyholder, ensuring that the policyholder does not lose their principal.

In addition, the policyholder will also have the opportunity to receive an additional maturity return based on the performance of the Citi Grandmaster RC 5 Index.

The returns calculated based on the Citi Grandmaster RC 5 Index are subject to the following risks:

1) Market Risk – Returns may fluctuate according to changes in the level of the reference index.

2) Foreign Exchange Risk – As the reference index is denominated in U.S. Dollars, returns are exposed to fluctuations in the exchange rate between the Thai Baht and the U.S. Dollar.

However, the policyholder will continue to receive all guaranteed policy benefits and the maturity benefit in full, subject to the policy terms and conditions. Such guaranteed benefits are not exposed to Market Risk or Foreign Exchange Risk, as they are not affected by fluctuations in the reference index level or exchange rates.

• Citi is a leading global financial institution with more than 210 years of experience and strong financial stability. Its long-term credit ratings are A3 by Moody’s, BBB+ by Standard & Poor’s and A by Fitch.

• Citi provides comprehensive financial services to meet the needs of both institutional and individual clients.

• Citi is a key financial partner for multinational organizations, a global leader in wealth management, and a trusted personal banking institution in the United States, supported by a network spanning more than 180 countries and jurisdictions worldwide.

• Citi serves leading corporations, governments, investors, financial institutions and individual clients through a broad range of financial products and services.